Features
SIA STONE CAPITAL
🏠 Value-Add Strategy in the German Market
We don't just buy "walls" - we create added value. SIA "Stone Capital" invests in undervalued German real estate (such as tourist properties on Rügen Island or residential buildings), carries out renovation and division into condominiums. This strategy allows us to profit not only from market growth but also from physical asset improvement, ensuring stable income payments.
Your investments are protected by EU law. The issuer's activities are under the direct supervision of the Bank of Latvia, which reviewed and approved the Prospectus. The company's financial integrity has been confirmed by international auditor Grant Thornton: the company has no hidden debts. It was created exclusively for this bond issuance - with no "legacy" of old liabilities.
The product economics are transparent: raised funds are lent to German developers at a rate of at least 8% per annum plus profit participation. This difference between the developer rate and your coupon (6%) creates a financial buffer that guarantees payments to investors even during temporary market fluctuations.
Unlike traditional long-term bonds, your capital remains flexible. For the 10 and 15-year tranches, early redemption rights are provided: after 2 years you can redeem 30% of your capital, and after 5 years - submit a request for 100% redemption at face value. This gives you flexibility in managing your funds when life plans change.
The investor chooses a planning horizon (until 2031, 2036, or 2041) and acquires bearer bonds. The minimum entry is just 3,000 EUR (60 bonds), making the professional real estate market accessible. Bonds are issued as physical certificates confirming your direct ownership of the debt.
Your funds are directed to specific properties. The issuer invests capital in acquiring specific assets (pilot project: resort property at Strandstraße 15, Göhren) and financing construction works. The German parent company Spirit Financial Group oversees every stage: from obtaining permits to project completion.
The bonds operate on an accumulating model. You don’t need to think about reinvesting coupons: the fixed 6% annual return is automatically added to your investment principal, triggering the compound interest effect. Capital grows faster than with annual payouts.
HIGH RISK INVESTMENT WARNING: Trading in financial markets carries a high level of risk and may not be suitable for all investors as you could sustain losses in excess of deposits. Spirit Capital Investments SIA recommends that you seek advice from a separate financial advisor. The content of this website must not be construed as personal advice. Spirit Capital Investments SIA may provide general commentary which is not intended as investment advice. Spirit Capital Investments SIA assumes no liability for errors, inaccuracies or omissions; does not warrant the accuracy, completeness of information, text, graphics, links or other items contained within these materials. Read and understand the Regulations on Spirit Capital Investments SIA. By using this website, you agree that you have read and understood this HIGH RISK INVESTMENT WARNING.
Spirit Capital Investments SIA is a licensed investment brokerage firm in Latvia, registered under No. LV40203160700, authorized to provide investment services, including investment advice.
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